Five Star (FSBC)
NASDAQ:FSBC
Want to see FSBC full AI Analyst Report?
Earnings Data
Report Date
Jul 27, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.83Last Year’s EPS
0.68Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Q1 2026
Earnings Call Date:Apr 27, 2026|
% Change Since:
|
Earnings Call Sentiment|Positive
The call conveyed a broadly positive operational and financial performance: strong sequential and annualized growth in loans and deposits, improved profitability metrics (EPS, net income, ROE, NIM), very low nonperforming loans, and strategic market expansion. Offsetting items include growth-related provisioning, elevated expense due to continued hiring and expansion investments (partly driving a one-time release impact on efficiency), remaining brokered funding costs, and limited near-term NIM upside without rate moves. Overall, positives (robust growth, profitability, asset quality, and strategic expansion) materially outweigh the challenges, though management cautioned about competition and volatility.Company Guidance
Earnings Per Share Expansion
EPS increased to $0.87 in Q1 2026, up $0.40 from the prior quarter, reflecting meaningful sequential earnings improvement.
Strong Loan Growth
Loans held for investment grew by $138.5 million during the quarter, representing 14% annualized growth driven largely by commercial real estate (CRE) and diversified C&I originations.
Robust Deposit Growth and Shift to Core Funding
Total deposits grew by $268.3 million (26% annualized). Non-wholesale deposits increased by $350.2 million offsetting an $81.9 million decline in wholesale deposits; noninterest-bearing deposits rose to ~28% of total deposits (from ~26%).
Improved Profitability Metrics
Net income of $18.6 million, up 6% sequentially; return on average assets at 1.55% (up 5 bps); return on average equity at 16.73% (up 76 bps).
Net Interest Income and Margin Expansion
Net interest income increased to $43.5 million (up 3% year-over-year). Net interest margin expanded to 3.70%, up ~4 basis points sequentially; average cost of total deposits declined 10 basis points to 2.13%.
Very Strong Asset Quality
Nonperforming loans represented only 7 basis points of loans held for investment and nonperforming loans declined by $280,000 during the quarter; conservative underwriting and monitoring highlighted as drivers.
Capital and Shareholder Returns
Company remains well capitalized with all ratios above regulatory thresholds. Paid a $0.25 cash dividend in Q1 and declared an additional $0.25 dividend payable in May 2026.
Operational Efficiency and Income Diversification
Noninterest income rose to $1.6 million from $1.4 million (sequential increase driven by swap referral fees and an FHLB stock dividend). Noninterest expense declined by $263,000 sequentially and the efficiency ratio improved to 38.57% from 40.62%.
Market Expansion and Pipeline Strength
Strategic expansion into Southern California with new hires (four business development officers and two support staff) and teams in Newport Beach, Los Angeles County and Ventura; management expects this to drive additional C&I loans and escrow/noninterest-bearing deposit flows. Management also reiterated a 10%–12% growth target for the year given robust pipelines.
Rate Sensitivity Advantage
Approximately 75% of loans held for investment are adjustable or floating, providing flexibility to respond to interest rate volatility and support net interest income in a changing rate environment.
FSBC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FSBC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 27, 2026 | $40.79 | ― | ― |
Jan 26, 2026 | $38.55 | $38.34 | -0.57% |
Oct 27, 2025 | $35.16 | $36.79 | +4.64% |
Jul 23, 2025 | $29.85 | $29.12 | -2.47% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Five Star (FSBC) report earnings?
Five Star (FSBC) is schdueled to report earning on Jul 27, 2026, After Close (Confirmed).
What is Five Star (FSBC) earnings time?
Five Star (FSBC) earnings time is at Jul 27, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FSBC EPS forecast?
FSBC EPS forecast for the fiscal quarter 2026 (Q2) is 0.83.